Abstract: A point of service third party adjudicated payment system is provided that includes a point of service terminal which accepts payment system access information for payment for a purchase of at least one of a service and product by a customer. A settlement engine processes said purchase transaction so as to determine a portion of said purchase which is to be paid by the customer and returns a settlement transaction to said point of service terminal designating obligations for payment by the customer. A payment system accesses a payment account so that the customer is charged said portion of said purchase which is to be paid by the customer.

Abstract: A method for adjudicating health care expenses, which includes receiving from the point of service provider purchase transaction data, adjudicating the transaction substantially in real-time to determine whether a health care related purchase is payable from an account associated with a customer, providing an adjudicated purchase transaction to the point of service provider substantially in real-time, and paying a portion of the healthcare related purchase from an account associated with a customer.

Abstract: A method for point of service third party adjudicated payment, which includes providing payment system access information to a point of service provider, receiving from the point of service provider purchase transaction data and the payment system access information, adjudicating the transaction substantially in real-time to determine the portion payable by the customer and the portion payable by a third party, sending an adjudicated settlement transaction to the point of service provider substantially in real-time, and initiating a request to transfer funds substantially in real-time in accordance with the adjudicated settlement transaction to an account of the service provider.

Abstract: A method for point of service third party adjudicated payment, which includes providing payment system access information to a point of service provider, receiving from the point of service provider purchase transaction data and the payment system access information, adjudicating the transaction substantially in real-time to determine the portion payable by the customer and the portion payable by a third party, sending an adjudicated settlement transaction to the point of service provider substantially in real-time, and initiating a request to transfer funds substantially in real-time in accordance with the adjudicated settlement transaction to an account of the service provider.

Abstract: A point of service third party adjudicated payment system and method which provides for the creation of an adjudicated settlement transaction at a point of service which designates the portion of the service to be paid by the third party payor and the portion to be paid by the customer. The system includes a point of service terminal which accepts a payment system access card for payment for a purchase of a service and/or product by a customer, where at least part of the purchase is reimbursable by a third party payor. The point of service terminal creates a purchase transaction which is adjudicated by an adjudication engine substantially in real-time to determine a first portion of the purchase which is to be paid by the third party payor and a second portion of the purchase which is to be paid by the customer.

Abstract: A point of service adjudicated payment system and method which provides for creation of an adjudicated settlement transaction at a point of service which designates the portion to be paid by a third party payor and the portion to be paid by a customer. A point of service terminal accepts a payment system access card, such as a credit card, for payment of a service and/or product by a customer, where at least part of the purchase is reimbursable by a third party payor. The point of service terminal creates a purchase transaction which is adjudicated by an adjudication engine substantially in real-time to determine a covered amount payable by the third party payor and any non-covered amount which is to be paid by the customer. An adjudicated settlement transaction is returned to the point of service terminal and the payment system transfers funds according to the adjudicated settlement transaction.

Abstract: A point of service third party adjudicated payment system and method which provides for the creation of an adjudicated settlement transaction at a point of service which designates the portion of the service to be paid by the third party payor and the portion to be paid by the customer. The system includes a point of service terminal which accepts a payment system access card, such as a credit card, debit card, or purchase card, for payment for a purchase of a service and/or product by a customer, where at least part of the purchase is reimbursable by a third party payor. The point of service terminal creates a purchase transaction which is adjudicated by an adjudication engine substantially in real-time (at the time of service or in a purchase transaction processing batch) to determine a first portion of the purchase which is to be paid by the third party payor and a second portion of the purchase which is to be paid by the customer.